I don't consider "Breeding" for a morph a viable option when you can't afford the base morphs. By the time you've gone through all of the effort to make a bumble bee (buying a Pastel or Spider Female, Growing them up, breeding them, etc) you could have purchased a bumblebee.
Simply save up money. If you have no issues caring for the animals then mow lawns, do some weekend jobs from Craigslist, save up birthday/X-mas money, sell some things you don't need anymore on ebay.
Like mainbutter said, breeding is not as inexpensive as some people may have you believe. It's only when you're looking to profit off of the animals (or at least break even on keeping them) that that should be considered.
I think people toss around the idea of breeding too lightly. If you can't afford purchasing the morph you want then you won't be able to afford to purchase two animals, grow them up, breed them, and take care of and house their offspring.
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